If you haven't already ready, 'Analysis of Credit Losses' on pp18 of the Q, focusing on expected liquidation losses and impact of 'Aggressive' competition on future delinquencies and recovery rates may interest you.
Write-off to liquidation is guided to be 8-12% Q3. You can use that as another approach to your charge-off estimate. You don't wan't 12%.
"Consequently, if these trends continue, the Company would expect the provision for credit losses to increase for recent and future static pools."